The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   324,031 3,237 SH   SOLE   0 0 3,237
ABBOTT LABS COM 002824100   270,239 2,479 SH   SOLE   0 0 2,479
ADOBE SYSTEMS INCORPORATED COM 00724F101   293,883 601 SH   SOLE   0 0 601
AFLAC INC COM 001055102   283,706 4,065 SH   SOLE   0 0 4,065
AIR PRODS & CHEMS INC COM 009158106   300,843 1,004 SH   SOLE   0 0 1,004
ALPHABET INC CAP STK CL A 02079K305   392,377 3,278 SH   SOLE   0 0 3,278
ALTRIA GROUP INC COM 02209S103   514,311 11,353 SH   SOLE   0 0 11,353
AMAZON COM INC COM 023135106   655,979 5,032 SH   SOLE   0 0 5,032
AMEREN CORP COM 023608102   209,312 2,563 SH   SOLE   0 0 2,563
APPLE INC COM 037833100   2,129,874 10,980 SH   SOLE   0 0 10,980
ARCHER DANIELS MIDLAND CO COM 039483102   435,555 5,764 SH   SOLE   0 0 5,764
AT&T INC COM 00206R102   386,817 24,252 SH   SOLE   0 0 24,252
BLACKROCK INC COM 09247X101   394,487 571 SH   SOLE   0 0 571
BP PLC SPONSORED ADR 055622104   420,860 11,926 SH   SOLE   0 0 11,926
CARDINAL HEALTH INC COM 14149Y108   256,606 2,713 SH   SOLE   0 0 2,713
CHEVRON CORP NEW COM 166764100   802,805 5,102 SH   SOLE   0 0 5,102
CISCO SYS INC COM 17275R102   211,521 4,088 SH   SOLE   0 0 4,088
CLOROX CO DEL COM 189054109   1,068,821 6,720 SH   SOLE   0 0 6,720
COCA COLA CO COM 191216100   1,082,894 17,982 SH   SOLE   0 0 17,982
COLGATE PALMOLIVE CO COM 194162103   736,197 9,556 SH   SOLE   0 0 9,556
CONSOLIDATED EDISON INC COM 209115104   573,192 6,341 SH   SOLE   0 0 6,341
CVS HEALTH CORP COM 126650100   277,842 4,019 SH   SOLE   0 0 4,019
DARDEN RESTAURANTS INC COM 237194105   248,871 1,490 SH   SOLE   0 0 1,490
DEERE & CO COM 244199105   934,317 2,306 SH   SOLE   0 0 2,306
DOMINION ENERGY INC COM 25746U109   223,718 4,320 SH   SOLE   0 0 4,320
DUKE ENERGY CORP NEW COM NEW 26441C204   586,258 6,533 SH   SOLE   0 0 6,533
ENBRIDGE INC COM 29250N105   255,146 6,868 SH   SOLE   0 0 6,868
ENTERPRISE PRODS PARTNERS L COM 293792107   539,325 20,468 SH   SOLE   0 0 20,468
EXXON MOBIL CORP COM 30231G102   1,040,333 9,700 SH   SOLE   0 0 9,700
GENERAL MLS INC COM 370334104   1,039,164 13,548 SH   SOLE   0 0 13,548
GSK PLC SPONSORED ADR 37733W204   221,895 6,226 SH   SOLE   0 0 6,226
HOME DEPOT INC COM 437076102   382,327 1,231 SH   SOLE   0 0 1,231
INTEL CORP COM 458140100   447,346 13,378 SH   SOLE   0 0 13,378
INVESCO QQQ TR UNIT SER 1 46090E103   902,862 2,444 SH   SOLE   0 0 2,444
ISHARES TR 0-5YR HI YL CP 46434V407   7,061,282 170,357 SH   SOLE   0 0 170,357
ISHARES TR PFD AND INCM SEC 464288687   489,218 15,817 SH   SOLE   0 0 15,817
ISHARES TR ISHS 1-5YR INVS 464288646   8,187,962 163,204 SH   SOLE   0 0 163,204
ISHARES TR CORE DIV GRWTH 46434V621   8,379,720 162,618 SH   SOLE   0 0 162,618
JOHNSON & JOHNSON COM 478160104   1,642,488 9,923 SH   SOLE   0 0 9,923
JPMORGAN CHASE & CO COM 46625H100   859,505 5,910 SH   SOLE   0 0 5,910
KELLOGG CO COM 487836108   449,945 6,676 SH   SOLE   0 0 6,676
KIMBERLY-CLARK CORP COM 494368103   698,624 5,060 SH   SOLE   0 0 5,060
LILLY ELI & CO COM 532457108   1,664,581 3,549 SH   SOLE   0 0 3,549
LOCKHEED MARTIN CORP COM 539830109   2,146,745 4,663 SH   SOLE   0 0 4,663
LOWES COS INC COM 548661107   326,766 1,448 SH   SOLE   0 0 1,448
MCDONALDS CORP COM 580135101   1,970,103 6,602 SH   SOLE   0 0 6,602
MERCK & CO INC COM 58933Y105   332,461 2,881 SH   SOLE   0 0 2,881
MICROSOFT CORP COM 594918104   5,149,261 15,121 SH   SOLE   0 0 15,121
PAYCHEX INC COM 704326107   880,499 7,871 SH   SOLE   0 0 7,871
PEPSICO INC COM 713448108   1,347,297 7,274 SH   SOLE   0 0 7,274
PFIZER INC COM 717081103   492,612 13,430 SH   SOLE   0 0 13,430
PHILIP MORRIS INTL INC COM 718172109   429,251 4,397 SH   SOLE   0 0 4,397
PHILLIPS 66 COM 718546104   318,855 3,343 SH   SOLE   0 0 3,343
PIMCO ETF TR INTER MUN BD ACT 72201R866   658,841 12,709 SH   SOLE   0 0 12,709
PROCTER AND GAMBLE CO COM 742718109   2,085,816 13,746 SH   SOLE   0 0 13,746
REALTY INCOME CORP COM 756109104   522,587 8,740 SH   SOLE   0 0 8,740
SALESFORCE INC COM 79466L302   284,145 1,345 SH   SOLE   0 0 1,345
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   11,630,938 160,162 SH   SOLE   0 0 160,162
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   531,281 11,510 SH   SOLE   0 0 11,510
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   5,806,677 162,880 SH   SOLE   0 0 162,880
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   4,278,765 57,088 SH   SOLE   0 0 57,088
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,138,019 44,179 SH   SOLE   0 0 44,179
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,112,213 71,055 SH   SOLE   0 0 71,055
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   20,450,972 390,509 SH   SOLE   0 0 390,509
SOUTHERN CO COM 842587107   1,081,118 15,390 SH   SOLE   0 0 15,390
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   425,686 1,238 SH   SOLE   0 0 1,238
SPDR S&P 500 ETF TR TR UNIT 78462F103   756,947 1,708 SH   SOLE   0 0 1,708
SPDR SER TR ICE PFD SEC ETF 78464A292   1,599,824 47,799 SH   SOLE   0 0 47,799
STARBUCKS CORP COM 855244109   706,131 7,128 SH   SOLE   0 0 7,128
SYSCO CORP COM 871829107   733,216 9,882 SH   SOLE   0 0 9,882
TARGET CORP COM 87612E106   1,207,548 9,155 SH   SOLE   0 0 9,155
TORONTO DOMINION BK ONT COM NEW 891160509   287,230 4,632 SH   SOLE   0 0 4,632
UNILEVER PLC SPON ADR NEW 904767704   571,824 10,969 SH   SOLE   0 0 10,969
UNITED PARCEL SERVICE INC CL B 911312106   648,406 3,617 SH   SOLE   0 0 3,617
US BANCORP DEL COM NEW 902973304   501,210 15,170 SH   SOLE   0 0 15,170
VANGUARD BD INDEX FDS INTERMED TERM 921937819   802,386 10,666 SH   SOLE   0 0 10,666
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   970,706 12,845 SH   SOLE   0 0 12,845
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   5,065,426 69,685 SH   SOLE   0 0 69,685
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   3,563,786 45,094 SH   SOLE   0 0 45,094
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   5,467,839 72,269 SH   SOLE   0 0 72,269
VERIZON COMMUNICATIONS INC COM 92343V104   416,211 11,191 SH   SOLE   0 0 11,191
VISA INC COM CL A 92826C839   251,308 1,058 SH   SOLE   0 0 1,058
WALGREENS BOOTS ALLIANCE INC COM 931427108   208,116 7,305 SH   SOLE   0 0 7,305
WALMART INC COM 931142103   1,954,195 12,433 SH   SOLE   0 0 12,433
WASTE MGMT INC DEL COM 94106L109   1,588,288 9,159 SH   SOLE   0 0 9,159
WELLS FARGO CO NEW COM 949746101   233,495 5,471 SH   SOLE   0 0 5,471
WISDOMTREE TR US MIDCAP DIVID 97717W505   2,018,521 48,003 SH   SOLE   0 0 48,003
WISDOMTREE TR US SMALLCAP DIVD 97717W604   1,370,341 47,598 SH   SOLE   0 0 47,598
WISDOMTREE TR INTL LRGCAP DV 97717W794   3,829,600 81,187 SH   SOLE   0 0 81,187
WISDOMTREE TR US LARGECAP DIVD 97717W307   387,211 6,088 SH   SOLE   0 0 6,088